Rejection MessageCode(s)DescriptionHow to Resolve
The card has reached the credit limit104
210
The card does not have enough funds to complete the transaction.Contact the cardholder and request a different card or other form of payment.
Please call the number on the back of your card. Your bank requested that we do not honor this card106
109
120
123
127
141
142
203 
The issuing bank did not share a detailed decline code reason. This can occur for a number of reasons:
- The bank has questions for the cardholder
- There is unusual activity on the account
- A new card has been issued
- The bank does not recognize the sender
Have the cardholder reach out to his or her credit card company and discuss the specific transaction. Once the transaction has been cleared, reprocess the transaction.
Insufficient funds in the account110
204
The card does not have enough funds to complete the transactionContact the card holder and request a different card or other form of payment.
Stolen or lost card114
118
124
205
The card has been reported as lost or stolen by the cardholder or issuing bank.Contact the cardholder and request a different card or other form of payment.
Invalid expiry date131The expiration date entered for the card is incorrect.Re-enter the card information with the corrected expiration date and reprocess the transaction.
Invalid card verification number133
136
211
The 3-digit security code on the back of the Visa, MasterCard or Discover does not match what the cardholder's bank has on file. For American Express this is the 4-digit code on the front of the card. This can also mean the expiration date was entered incorrectly. What are the Card Security Code (CSC) settings in the merchant account settings?Have the cardholder re-enter the security code and/or expiration date or verify the digits with their bank.
Invalid account number134
151
231
The credit card number is invalid or incorrect. The card number and card type (i.e. Visa, MasterCard, etc.) may have been entered incorrectly or the card may no longer be valid.Verify the card number and card type with the cardholder and re-enter.
Expired card135
202
Expiration date provided does not match the date the issuing bank has on file.Confirm the expiration date with the cardholder or have them verify with their bank and reprocess the transaction.
The authorization request was declined because it did not pass the Address Verification Service (AVS)137
200
2001
The numerical address or zip code submitted does not match what the issuing bank has on file. This could be caused by one of two reasons:
1. The cardholder entered the information incorrectly
2. The Address Verification Service (AVS) settings are too high. 
What are Address Verification System (AVS) Settings?
Have the cardholder verify how his or her address information appears on their banking account or adjust AVS settings for BBMS. Light is the recommended setting to allow for international cardholders to make transactions online.
Error: General system failure140
144
146
An error cause the transaction to not be processed.As this error can vary for credit card and direct debit transactions, please see Transactions receive General System Failure message. If large amounts of this code are seen, please contact support.
High risk of fraud determined for this transaction502Blackbaud Merchant Services (BBMS) Premium Fraud Management declined the transaction due to risk score set by the organization. What is Fraud Management in Blackbaud Merchant Services?If the transaction is valid, adjust the risk score to allow the transaction to be submitted again. Adjust the Fraud Management settings back to the desired level after the transaction passes successfully.
The amount exceeds the maximum per transaction amount limit803Per industry standard Blackbaud Merchant Services (BBMS) is able to accept transactions up to a certain amount per transaction. What is the maximum dollar amount for Blackbaud Merchant Service (BBMS) transactions?If the gift amount exceeds the limit, the transaction may be separated into two or more transactions to equal the desired amount. To raise the per transaction limit for BBMS please contact Blackbaud Merchant Services Support.
Sorry, we are unable to process your transaction at this time. Please try again later.805This error occurs when you attempt to process a transaction through BBMS and the bank account on file for disbursements has been declined by BBMS Account Validation.Please reach out to the Account Validation team at BBMSAccountValidation@blackbaud.com to get this resolved. In the email please include your organization's Site ID and a voided check, copy of the bank statement or letter from your bank in official letterhead which includes the Account holder name, routing number, account number and account type.
Multiple attempts at using this credit card have resulted in errors. For security reasons, we cannot accept transactions using this credit card. Please contact us directly to process your transactionValidation ErrorBlackbaud Payment Services monitors transactions for suspicious or potentially fraudulent behavior. If a card is attempted several times with errors it may be blacklisted.If the transaction is valid please contact Blackbaud Merchant Services support to request that the card is removed from the blacklist. Once the card is removed from blacklist the transaction can be attempted again. If the error persists, the cardholder should reach out to the issuing bank.
The client IP XXXXXXX has been blacklisted due to repeated authorization failuresValidation ErrorBlackbaud Payment Services monitors transactions for suspicious or potentially fraudulent behavior. If a transaction or multiple transactions are attempted with failures by the same IP it may be blacklistedIf the transaction is valid, please contact Blackbaud Merchant Services support and request to have the IP(s) removed from the blacklist. Once the IP is removed from blacklist the transaction can be attempted again.
Not ProcessedValidation ErrorA processing connection failure did not submit the transaction successfully.Resubmit the transaction. If the error persists, please contact Blackbaud Merchant Services (BBMS) Support.

If you experience any additional concerns that are not detailed above, please Click Chat with Support and provide the exact error message you are receiving.